SBA lender · 7(a) program
First Bank of Central Ohio
First Bank of Central Ohio has approved 100 SBA loans worth $147.3M since FY2010 - the #423 SBA lender in the country by dollars approved. Everything below comes from the SBA’s own loan-level records.
National rank
#423
0.03% of all SBA dollars
Total approved
$147.3M
FY2010 onward
Loans
100
Median loan
$967,750
+438% vs national
Median rate
10.50%
+3.75 pts vs national
Charge-off rate
-
Cohort too small
Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.
Reading the record
What First Bank of Central Ohio’s numbers say
First Bank of Central Ohio sits in the long tail of the SBA lending field, having approved 100 loans for a gross total of $147.3M since fiscal 2010. Its median loan of $967,750 is substantially larger than the $180,000 national median, which usually signals a focus on real-estate-backed or acquisition deals rather than small working-capital notes.
The median initial note rate across its 7(a) approvals is 10.50%, 3.75 points above the national median of 6.75%. Rate medians drawn across fifteen years reflect the mix of loan sizes and vintages a lender wrote as much as its pricing posture - a lender that grew fastest during a high-rate stretch will look expensive here even if its spread was ordinary.
Roughly 44% of its approvals went to businesses the SBA classified as new rather than existing, against 11% nationally - a meaningfully greater appetite for startups than the average SBA lender.
Where First Bank of Central Ohio lends
| State | Loans | Share |
|---|---|---|
| California | 18 | |
| Colorado | 10 | |
| Indiana | 9 | |
| Florida | 7 | |
| Ohio | 7 | |
| Texas | 6 | |
| Michigan | 4 | |
| North Carolina | 4 |
What it lends against
Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.
Questions about First Bank of Central Ohio
- How many SBA loans has First Bank of Central Ohio approved?
- First Bank of Central Ohio has approved 100 SBA loans totalling $147,330,900 in gross approvals from fiscal year 2010 through the most recent SBA data release. That places it #423 among all SBA lenders by dollars approved.
- What is the typical First Bank of Central Ohio SBA loan size?
- The median gross approval is $967,750, with the middle 80% of loans falling between $237,000 and $3,442,000. The national median across all SBA lenders is $180,000.
- What interest rate does First Bank of Central Ohio charge on SBA 7(a) loans?
- The median initial note rate on First Bank of Central Ohio's 7(a) approvals is 10.50%, compared with a national median of 6.75%. This is a historical median across all approvals since FY2010, not a quote - SBA 7(a) rates are pegged to a base rate that moves, and your rate depends on loan size, term, and credit profile.
Where to go from here
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